PSO & PSP Consulting & Payment Technology
Build Your Payment Business with the Right Technology, Documentation and Regulatory Readiness
Walletmix Limited provides specialized Payment System Operator (PSO), Payment Service Provider (PSP), FinTech and digital payment consulting services for organizations planning to establish, modernize or expand payment-related businesses in Bangladesh.
Our services combine business consulting, regulatory documentation support, payment software architecture, application development, cybersecurity planning, operational process design, compliance preparation and technical implementation under one coordinated engagement.
“From Concept to Compliance to Technology — Walletmix helps you build the complete foundation.”
Regulatory & Licensing Support
Readiness assessments and regulatory gap analysis tailored to local payment systems legislation.
- PSO / PSP readiness assessment
- Licensing documentation support
- Regulatory gap analysis
- Application preparation assistance
Documentation & Compliance
Rigorous corporate, operational and technical policies crafted for operational stability and regulatory submission.
- Comprehensive business plans
- Standard Operating Procedures (SOPs)
- Risk and compliance policies
- Technical and operational blueprints
Payment Software Development
High-throughput, distributed payment engines built for scale, resilience and low latency.
- Payment gateway engines
- PSP & digital wallet systems
- Payment aggregator platforms
- Merchant and operations portals
Technology & Security Readiness
Infrastructure hardening, encryption standards, disaster recovery and security audit posture.
- High availability architecture
- End-to-end cybersecurity planning
- Automated DR & backup strategy
- Production go-live verification
PSO & PSP Business Consultation
Starting a regulated payment business requires more than developing an application. The business model, financial structure, technology architecture, settlement process, risk controls and operational framework must work together.
Regulatory Readiness & Licensing Documentation Support
Walletmix assists clients in organizing and preparing the business, operational and technical documentation required for a professional PSO or PSP regulatory submission.
Corporate & Business Documentation
Foundational institutional profiles, promoter backgrounds, and structural roadmaps.
- Company profile & corporate history
- Business background & vision
- Promoter & shareholder information
- Organizational governance structure
- Management structure & reporting lines
- Key personnel & compliance officer profiles
- Strategic business objectives
- Detailed service descriptions
- Target market & demographic analysis
- Competitive landscape appraisal
- Business implementation roadmap
Business Plan & Financial Documentation
Multi-year fiscal models, volume sensitivity forecasts, and capitalization analysis.
- Comprehensive bankable business plan
- Market opportunity & gap analysis
- Targeted business model dynamics
- Multi-stream revenue model
- Merchant & interchange pricing strategy
- Transaction-volume growth assumptions
- 3-to-5 year financial projections
- Capital expenditure (CapEx) planning
- Operating expenditure (OpEx) planning
- Break-even & cash runway analysis
- Scalability & growth projections
- Long-term sustainability strategy
Operational Documentation (SOPs)
Step-by-step operating guidelines across onboarding, dispute resolution, and settlement.
- Standard Operating Procedures (SOPs)
- Merchant onboarding procedures & checklist
- Customer onboarding & KYC procedures
- Transaction processing & queue SOPs
- Bank settlement & payout procedures
- Daily reconciliation procedures
- Refund & cancellation procedures
- Chargeback & dispute management SOPs
- Customer complaint redressal mechanism
- Incident escalation & emergency response
- Business continuity plans (BCP)
- Disaster recovery execution procedures
- Vendor & third-party management
Technical Documentation
Enterprise-grade system blueprints, network schematics, data dictionary, and transaction flow diagrams prepared for technical audit and infrastructure review.
Complete Payment Software Development
Walletmix provides end-to-end software engineering for organizations developing PSO, PSP and FinTech platforms.
Payment Gateway Platform
Turnkey online acquiring stack for merchant payment acceptance.
Payment Aggregator Platform
Multi-channel payment routing, fee splitting, and dynamic orchestration.
PSP / Digital Wallet Development
Consumer wallet infrastructure, ledger balances, and KYC verification pipelines.
Merchant Acquiring Technology
Online, QR, POS and in-app acceptance rails built with complete merchant lifecycle management.
Payment Switching & Transaction Processing
Fault-tolerant transaction switching, ISO message transformation, and dynamic clearing.
Bank & Financial Institution Integration
Direct connectivity into clearing networks, core banking APIs, host-to-host conduits, and automated settlement file parsers.
API & Developer Platform
Robust sandbox, webhooks, rate limiting, and SDKs empowering seamless third-party merchant integration.
Merchant Management System
Full portal for merchant self-service, store settings, settlement schedules, and analytics.
Admin & Operations Platform
Back-office operations cockpit for compliance officers, finance teams, and executive management.
Settlement & Reconciliation System
Automated three-way matching among acquiring logs, bank settlement files, and merchant ledger accounts to eliminate financial leakage.
Risk Management & Transaction Monitoring
Rule engines, velocity counters, and heuristic triggers to safeguard payment operations against fraudulent behavior.
KYC, Customer Due Diligence & Merchant Verification Workflow
Tiered onboarding workflows, document verification vaults, and screening queues built for compliance teams.
Cybersecurity & Information Security Readiness
Hardened infrastructure architecture, tokenization, cryptographic isolation, and comprehensive penetration test readiness.
Policies, SOPs & Governance Documentation
Documentation is customized according to the client’s organization, proposed service, technology environment and applicable regulatory framework rather than supplied as generic templates.
Governance Framework
- Corporate governance framework
- Technology governance manual
- Information security governance
- Risk management framework
- Internal controls & delegation matrix
Technology Policies
- Information Security Policy
- Access Control Policy
- Password & Credential Policy
- Backup & Retention Policy
- Disaster Recovery Policy
- Business Continuity Plan (BCP)
- Change Management Policy
- Patch Management Policy
- Secure Software Development Policy
- Incident Response Policy
- Data Management & Privacy Policy
Operations SOPs
- Merchant Onboarding SOP
- Customer Onboarding SOP
- Transaction Processing SOP
- Settlement Execution SOP
- Reconciliation SOP
- Refund Processing SOP
- Dispute Management SOP
- Customer Complaint SOP
- Support & Escalation SOP
- System Operations SOP
- Vendor Management SOP
Risk & Compliance
- Risk Management Policy
- Fraud Risk Management Policy
- Transaction Monitoring Procedures
- Customer Due Diligence (CDD)
- Merchant Due Diligence (MDD)
- Record Retention Procedures
- Compliance Monitoring Procedures
Application Preparation & Regulatory Response Support
Support in structuring your formal application materials, assembling technical annexures, and preparing technical clarification responses.
Regulatory Technology Readiness Assessment
Already have a payment platform? Walletmix can evaluate the system before a regulatory, security or operational review.
Existing Payment Platform Modernization
Migrate legacy payment backends, refactor monoliths into microservices, and improve uptime and latency.
Mobile App Development
Native and cross-platform mobile apps engineered with hardware keystore security, biometric auth, and offline resilience.
Cloud, Server & DevOps Infrastructure
Containerized clusters, private cloud hosting, load balancers, and multi-region database failover.
Testing & Go-Live Preparation
End-to-end stress testing, failover drills, settlement accuracy checks, and controlled merchant pilots.
Training & Knowledge Transfer
Tailored curriculums and operational playbooks to empower your internal departments before go-live.
Post-Launch Technology Support
Continuous platform monitoring, vulnerability patching, version upgrades, and SLA guarantees.
Who We Work With
Walletmix advises and engineers solutions for organizations across the entire payments and FinTech spectrum.
Our Engagement Model
A disciplined, chronological 8-step methodology ensuring alignment among business concepts, regulatory expectations, and technical reality.
Discovery
Evaluate business concept, target services, technology requirements and regulatory considerations.
Gap Analysis
Identify what exists and what needs development, documentation or remediation.
Business & Regulatory Docs
Prepare agreed business, operational, technical, risk and policy documents.
Architecture & Development
Design and develop payment technology, APIs, dashboards, apps and infrastructure.
Testing & Security Readiness
Conduct technical, operational and security-readiness testing.
Application & Review Support
Assist with document organization, technical demonstrations and regulatory clarification material.
Pilot & Go-Live
Support controlled deployment following required approvals and client authorization.
Continuous Support
Provide maintenance, upgrades, security improvements and product enhancements.
Why Walletmix Limited?
FinTech + Software + Operations Under One Team
PSO and PSP projects require coordination among business, software, infrastructure, security, compliance and operations. Walletmix brings these disciplines together.
Built Around Your Business
Each engagement is structured around your specific operating parameters:
PSO vs PSP
Bangladesh’s payment framework distinguishes between Payment System Operators (PSO) and Payment Service Providers (PSP).
A PSO generally operates approved payment-system infrastructure and payment channels between participants, while a PSP provides approved payment services to participants or customers within the applicable regulatory and banking framework.
The correct structure depends on the proposed services, transaction model and applicable regulatory requirements.
Payment System Operator (PSO)
Operates payment infrastructure, switches, payment gateways, payment aggregators, and clearing networks between participants, financial institutions, and merchants.
Payment Service Provider (PSP)
Issues stored-value electronic wallets, processes consumer payments, facilitates cash-in/cash-out channels, and serves participants/end-users under the applicable banking framework.
Not sure which model fits your business?
Let our payment specialists analyze your planned transaction flow and product roadmap.
Start Your Payment Technology Project
Planning to launch a Payment Gateway, Payment Aggregator, Digital Wallet, Merchant Acquiring Platform, Payment Processing Platform, Payment Switching Solution, QR Payment Platform, FinTech Application or Bank-Integrated Payment Solution?
Talk to Walletmix Limited.
We can help turn your payment business concept into a professionally designed, documented and technology-ready platform.
Request a PSO / PSP & Payment Technology Consultation
Discuss your payment gateway, switching, digital wallet, or regulatory documentation requirements with Walletmix’s enterprise architecture and compliance team.
Regulatory Notice
Walletmix Limited provides technology development, business consulting, documentation preparation, regulatory-readiness assistance and implementation support.
Walletmix Limited is not Bangladesh Bank and does not issue regulatory licenses or approvals. Submission of an application does not guarantee approval. Licensing, authorization, permitted activities and other regulatory decisions are made solely by Bangladesh Bank and/or other competent authorities.
Clients are responsible for obtaining all approvals required for their proposed activities before commencing regulated payment operations. Applicable legislation, regulations, circulars, guidelines and regulatory requirements may change, and project requirements should therefore be reviewed against the regulations in force at the time of implementation.